# Kaldex: Card Rewards Tracker — Credit Card Rewards, Scored > Credit card rewards optimization and spending analysis tool. (iPhone/iPad app by Huzaif Vahora.) - Source: https://appshunter.io/ios/app/kaldex-card-rewards-tracker/id6761017106 (this page in markdown: same URL + `.md`) - Developer: [Huzaif Vahora](https://appshunter.io/developer/1872535929) - Category: Finance, Lifestyle - Price: Free with in-app purchases - Rating: 5.00/5 from 2 App Store ratings - Age rating: 4+ - Requires: iOS 17.0 · 41 MB - Released: 2026-03-31 - Data updated: 2026-06-26 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/kaldex-card-rewards-tracker/id6761017106/reviews.md ## What is Kaldex? Kaldex connects to your credit cards and shows you exactly how much you're leaving on the table. Your Smart Usage Score measures how well you're optimizing rewards across your entire wallet. See which card you should have used at every merchant, track how much you earned vs how much you could have earned, and get AI-powered insights about your spending habits. HOW IT WORKS - Connect your cards securely via Plaid — the same infrastructure used by Venmo, Robinhood, and thousands of banking apps - Kaldex analyzes your transactions and scores each one against the best card in your wallet - See your Smart Usage Score — a single number that tells you how well you're doing WHAT YOU'LL DISCOVER - How much you're leaving on the table each month - Which card to use at every merchant for maximum rewards - Bonus category tracking with annual cap monitoring - AI insights on spending shifts, habits, and projected annual rewards BUILT FOR REAL OPTIMIZATION - 4,000+ credit cards supported - 50+ spending categories - 113 merchant-specific bonus rules (Kroger subsidiaries, Uber vs Uber Eats, Costco gas, and more) - Cashback and points tracking with custom valuations YOUR DATA IS SECURE Kaldex uses Plaid's bank-level security infrastructure. Your login credentials are never stored on our servers. All data is encrypted in transit and at rest. KALDEX PREMIUM Some features — including bank account linking, Smart Usage Score tracking, and personalized AI insights — require a Kaldex Premium subscription. Kaldex Premium is free to try. After your trial period, a subscription fee will be billed either monthly or annually, depending on which plan you select. Payment will be charged to your Apple ID account at confirmation of purchase. Subscription automatically renews unless canceled at least 24 hours before the end of the current period. You can manage and cancel your subscription in your Apple ID account settings. Terms of Use: https://www.kaldex.ai/legal-terms/terms-of-service Privacy Policy: https://www.kaldex.ai/legal-terms/privacy-policy ## Key features - Connect credit cards securely via Plaid - Analyze transactions for optimal card usage - Smart Usage Score for reward optimization - AI-powered spending insights - Track cashback and points - Bonus category tracking - Supports over 4,000 credit cards ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Kaldex Premium | $4.99 | per month | | Kaldex Premium Annual | $34.99 | per year | ## Frequently asked questions about Kaldex ### How does Kaldex track my credit card rewards? Kaldex securely connects to your credit cards through Plaid, analyzing your transactions to identify which card would have offered the best rewards for each purchase. It then tracks your earned cashback and points. ### What is the Smart Usage Score in Kaldex? The Smart Usage Score is a single metric provided by Kaldex that measures how effectively you are optimizing rewards across all your credit cards based on your spending. ### Does Kaldex offer personalized insights? Yes, Kaldex provides AI-powered insights into your spending habits, including shifts in spending and projected annual rewards. These personalized insights are part of the Kaldex Premium subscription. ### Is my financial data secure with Kaldex? Kaldex uses Plaid's bank-level security infrastructure, ensuring your login credentials are never stored on their servers. All data is encrypted both in transit and at rest. ### How many credit cards does Kaldex support? Kaldex supports over 4,000 credit cards, allowing for comprehensive tracking and optimization across a wide range of financial products. ### What are the benefits of Kaldex Premium? Kaldex Premium unlocks features like bank account linking, Smart Usage Score tracking, and personalized AI insights. It offers a free trial before billing monthly or annually. ### How often is Kaldex updated? The latest version of Kaldex is 26.1.3, and it was last updated on April 12, 2026, indicating regular updates to improve functionality and support. ### What devices does Kaldex support? Kaldex is currently supported on iPhone devices, allowing iOS users to manage their credit card rewards and spending. ## Version history (last 2 releases) ### 26.1.3 — 2026-04-12 Updated app metadata and keywords for better discoverability. ### 1.1 — 2026-03-31 No release notes. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-26.*